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Health Insurance Contributions

Under the State Health Insurance Law, As of January 1, 1995, every Israeli resident has health insurance coverage. All Israeli residents aged 18 and over, except for housewives must pay health insurance contributions to the National Insurance Institute together with their national insurance contributions, (although housewives who receive an old-age pension or whose spouse receives an increment to the old-age pension must also pay health insurance contributions).

All insured persons must be registered with one of the country’s health maintenance organizations (HMOs, known also as kupot holim) and may choose which HMO to join. The HMO must provide all insured persons with a standard Health basket as specified by law.

The amount of one's payment of national and health insurance contributions is calculated in accordance with the level of income that the insured person has from his workplace or from other sources, and in accordance with the determined for him:

  • Salaried employee
  • Self-employed person
  • A person who does not work
     
    What is the State Health Insurance Law?

    Under the State Health Insurance Law, effective from January 1, 1995, every Israeli resident has health insurance coverage. All Israeli residents must be registered with one of the country’s health maintenance organizations (HMOs, known also as kupot holim) and may choose which HMO to join. The HMO must provide all insured persons with a standard Health basket as specified by law.

    Obligation to pay health insurance contributions
    Under the State Health Insurance Law, all Israeli residents must pay health insurance contributions from their income, in accordance with the rate specified by law.
    Persons who do not work and who do not have income from any source pay a minimum health insurance contribution: NIS 103 (as of Jan 01, 2014) .
    Who is exempt from payment of health insurance contributions?
        • A housewife who is married to an insured person and who does not work outside her home.
        • An insured person who does not work and who has no income from any source or whose income is 5% or less of the average wage and who belongs to one of the following categories:

    a. A prisoner or detainee who has been in a detention facility/prison for at least of 12 months
    b. A new immigrant – for the first 12 months after his aliyah to Israel.
    c. A person who is 18 years old but who has not yet been inducted into the army. Persons in this category are exempt from payment of health insurance contributions for 12 months, on condition that they have not postponed their induction to past the age of 21.

    Children who are Israeli residents are automatically insured and are exempt from payment of health insurance contributions.

    Inducted soldiers receive health services from the Israel Defense Forces and are not covered by the State Health Insurance Law; therefore, they are exempt from payment of health insurance contributions.

    Reimbursement of health insurance contributions and medical expenses

    In cases where a person is retroactively recognized as an Israeli resident, from the date of his application to the National Insurance Institute, has paid privately health insurance a HMO or who has incurred medical expenses – he can be reimbursed for those expenses,under certain conditions.

    • In order to receive reimbursement for health insurance contributions, please apply in writing to the Health Insurance Dep, National Insurance Institute, Head Office, 13 Weizmann Blvd., Jerusalem 91909
    • In order to receive reimbursement for medical expenses, please apply in writing to the Committee for the Reimbursement of Medical Expenses, Ministry of Health, 29 Rivka St., Jerusalem 93461.

    By law, every Israeli resident must be registered with one of the health maintenance organizations (HMOs). In order to register with an HMO, please register through one of the branches of the Israel Postal Company and fill out a special application form.

    Israeli residents 18 years of age and over who are not members of one of the HMOs must register through any post office submitting their identity card. There is a fee for this registration.

                    

    An insured person who wishes to switch from one sick fund (HMO) to another can do so twice in the course of the 12 months from the day on which he registered in the previous HMO.

    You can swith HMOs  online through the payments site.
    Please note that the payments site supports only the Explorer-type browser. Beta version are not supported.
    You can also fill out a transfer form at any local post office branch.

                    
    Contact us

    Registration with a health maintenance organization – All questions and requests for clarification should be directed to the Health Insurance Dept, National Insurance Institute, Head Office, 13 Weizmann Blvd., Jerusalem 91909.

    Telephone: 02-6462000
    Fax: 02-6462029
    Reception hours: Sunday-Thursday 9 A.M. to 1 P.M.

     

    Payment of health insurance contributions and eligibility for health insurance (redemption of waiting period, Section 58 of the State Health Insurance Law) – All questions and requests for clarification should be directed to the Health Insurance Dept, National Insurance Institute, Head Office, 13 Weizmann Blvd., Jerusalem 91909.

    Telephone: 02-6463478
    Fax: 02-6520616
    Reception hours: Sunday, Tuesday, Thursday - 9:00 A.M to 1 P.M.

     

    The payment of health insurance contributions is calculated in accordance with the level of income that the insured person has from his workplace or from other sources, and in accordance with the status established for him (salaried employee, self-employed person, a person who does not work, student, etc.).

    Persons who do not have any income pay minimum health insurance contributions of NIS 103 (as of Jan 01, 2014) .

                    
    1. Benefits exempt from payment of health insurance contributions
    2. Benefits subject to minimal health insurance contributions
    3. Wage replacing benefits
    4. Old-age pensions
    5. Benefits from the Ministry of Defense and/or Ministry of Health
                    
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